What is the most common complaint against State Cap Auto Finance, Inc?

The most common issue consumers report about State Cap Auto Finance, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2 complaints filed with the CFPB.

Are complaints against State Cap Auto Finance, Inc increasing or decreasing?

Complaints against State Cap Auto Finance, Inc are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is State Cap Auto Finance, Inc's reputation grade?

State Cap Auto Finance, Inc has a reputation grade of A (score: 75.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does State Cap Auto Finance, Inc respond to consumer complaints?

State Cap Auto Finance, Inc has a 100% timely response rate to CFPB complaints.

In how many states does State Cap Auto Finance, Inc operate?

State Cap Auto Finance, Inc has received CFPB complaints from consumers in 1 states, with the most complaints from Massachusetts (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

State Cap Auto Finance, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record state-cap-auto-finance-inc State Cap Auto Finance, Inc

Grade A · 2 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #4346 · compose #839

VOL 2
GRADE A
12MO 1
STATES 1
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #4,346
COMPOSE #839

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

State Cap Auto Finance, Inc's 2 CFPB complaints sit next to 1 Auto Finance, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

100.0% of State Cap Auto Finance, Inc's CFPB filings land in Massachusetts

High volume does not equal a clean composite: State Cap Auto Finance, Inc is volume #4,346 but composite #839, while Massachusetts dominates the geography. Corpus placement method.

Dominant state: Massachusetts 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2015-03 25.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,346 volume; #839 composite; Cleanest-composite ladder is 3,507 places better than volume

How does State Cap Auto Finance, Inc compare to its peers?

How does State Cap Auto Finance, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

State Cap Auto Finance… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2022-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Written notification about debt	1

Where do complaints against State Cap Auto Finance, Inc come from?

State Cap Auto Finance, Inc's own per-state count, not a national baseline.

Massachusetts

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for State Cap Auto Finance, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2.

4 peers

Know your rights before responding to State Cap Auto Finance, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.